A&B MONEY โอนเงินกลับไทย ส่งเงินด่วนรับเงินในวันเดียว ปลอดภัย ราคาถูก
A&B GENERAL LIMITED
DATA PROTECTION ADDENDUM RELATING TO THE PARTIES’ OBLIGATIONS UNDER THE
GENERAL DATA PROTECTION REGULATION EU 2016/679 (“GDPR”)
1. Scope and Applicability
1.1 This Data Protection Addendum (“Addendum”) supplements the Payment Gateway Terms and Conditions (“Agreement”) between the parties. Any provision of the Agreement that is incompatible with this Addendum or with applicable requirements of the GDPR shall be deemed null and void. The provisions of this Addendum shall replace Section 13 of the Agreement and supersede any other conflicting provisions of the Agreement.
1.2 Part A applies in situations where we act as a processor for you and Part B applies in situations where we act as a controller, in each case, in relation to Personal Data that is exchanged between the parties concerning Customers and other data subjects.
1.3 Capitalised terms not defined in the Agreement that are used in this Addendum shall have the meaning set out in Part C.
Part A: Our obligations as a processor
2. Our obligations as processor
2.1 We will act only on documented instructions from you (including in respect of any transfers of Personal Data outside the EU/EEA) unless the instructions require material changes to the Agreement.
2.2 We shall ensure that all persons authorised to process Personal Data on your behalf in relation to the Services have committed themselves to confidentiality in respect of the data.
2.3 We shall assist you, as far as is possible, in fulfilling your obligation to respond to the requests of data subjects seeking to exercise their rights under the GDPR, in so far as they relate to the provision of the Services.
2.4 To ensure the security of the Personal Data that we process on your behalf, and to safeguard the rights of data subjects, we have put in place and will maintain technical and organisational measures appropriate to the risks associated with the Services.
2.5 On receiving a written request, we shall assist you in meeting your GDPR obligations in relation to the following:
(a) the security of the processing of Personal Data in relation to the Services;
(b) the notification of Personal Data breaches where required; and
(c) the conduct of data protection impact assessments, where necessary.
2.6 Upon termination of the Agreement and your request, we shall either delete or return all Personal Data to you, unless we are legally obliged to keep such data.
2.7 Upon request, we shall provide you with information necessary to demonstrate our compliance with the obligations set out in this Section 2, and shall allow for and contribute to audits, including inspections, conducted by you in relation to the processing activities connected to the provision of the Services. Your right to audit will be limited to once in any twelve-month period, and limited in time to a maximum of two (2) business days and scope,
as reasonably agreed in advance between the parties. Reasonable advance notice of at least sixty (60) days is required, unless a Data Protection Law requires earlier audit. We will use current certifications or other audit reports to minimise unnecessary and repetitive audits. The parties will each bear their own expenses of audit, unless such audit reveals a breach by us (as independently verified by us), in which case we shall bear our own expenses of audit. If an audit determines that we have breached our obligations under the Agreement, we will promptly remedy the breach at our own cost.
2.7 We will promptly inform you if we become aware of any suspected or confirmed Personal Data Breach involving Customer Personal Data.
2.8 We shall immediately inform you if an instruction relating to Section 2.7 would, in our sole discretion, infringe the GDPR or other Data Protection Laws of the EU or an EU Member State having jurisdiction over the Agreement.
2.9 We shall not engage any subprocessors to assist in providing the Services, unless we have:
(a) entered into a written contract with the subprocessor that obligates the subprocessor to comply with all relevant obligations applicable to us under this Section 2; and
(b) obtained prior written authorisation from you.
2.10 A list of our existing subprocessors, their roles, and the location of the processing carried out by them is set out in the Schedule to this Addendum. By entering into this Addendum, you agree that we may use these subprocessors for the purposes of providing the Services.
2.11 We will notify you in advance of any changes to the list of subprocessors.
2.12 Subprocessors will have the same obligations as we do as a processor (or subprocessor) with regards to their processing of Personal Data.
Part B: Obligations of the parties when we act as a data controller in relation to you
3. Compliance with the GDPR
3.1 The parties acknowledge that each is an independent controller of the Personal Data that it collects and processes in relation to activities that are necessary for carrying out the contractual relationship between them. This Personal Data includes, for example, the business contact data of each party’s employees and other stakeholders exchanged for the purposes of entering into the Agreement, sending promotional material and managing the business relationship.
3.2 Our Privacy Notice can be found at securetrading.com
4. Mutual Cooperation
4.1 The parties shall cooperate with one another, upon reasonable request, in relation to compliance with the provisions of the GDPR relating to the provision of the Services, including with regard to responses to data subject requests for the exercise of their rights under the GDPR and any information requests, investigations, complaints or other actions of a national data protection supervisory authority.
4.2 Where each party is acting as a controller, each party shall notify the other of any incident that involves a Personal Data Breach that relates to the provision of the Services without undue delay. The notification should describe the incident, the type of Personal Data involved, the identity of any affected persons or the approximate number of individuals affected, the potential consequences of a breach, and any immediate mitigation steps required or in progress.
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Part C: Definitions
(a) “Data Protection Law(s)” shall mean the Data Protection Act 1998 (the “DPA”), the Data Protection Directive (95/46/EC), the Electronic Communications Data Protection Directive (2002/58/EC), the Privacy and Electronic Communications (EC Directive) Regulations 2003 (SI 2426/2003) (as amended), the General Data Protection Regulation (2016/679) and all applicable laws and regulations relating to Personal Data and privacy which are enacted from time to time in any relevant jurisdiction, including (where applicable) the guidance and codes of practice issued by the Information Commissioner’s Office and any other competent authority, and the equivalent of any of the foregoing in any relevant jurisdiction. Where the term Laws in used in the Agreement, it shall be construed to include the Data Protection Laws.
(b) “GDPR” means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 as applied, modified, added to, limited, widened, substituted, replaced or repealed by UK law or regulation (and references to any Article or provision of the Regulation shall be interpreted accordingly).
(c) “Personal Data” shall mean any information relating to an identified or identifiable individual; an identifiable individual is one who can be identified, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his physical, physiological, mental, economic, cultural or social identity (including special categories of Personal Data listed in Article 9(1) of GDPR).
(d) “Personal Data Breach” shall mean accidental, unauthorised, or unlawful destruction, loss, alteration, or disclosure of, or access to, Personal Data.
4.3 The terms "controller", "processor", "data subject" and "processing" shall have the meanings given to such terms in the GDPR, except where and to the extent that the context requires otherwise.
5.1 Subject to clause 6 of the Agreement, we shall only be liable for damage caused by processing where we have not complied with our obligations under Clause 2 of this Addendum or where we have acted outside or contrary to lawful and agreed instructions from you.
SCHEDULE TO ADDENDUM
This list identifies the subprocessors authorised to access Personal Data used by our systems.
Sub processors are permitted to process Personal Data to deliver the services we have retained them to provide. They are prohibited from using Personal Data for any other purpose.
|ACI||United Kingdom / United States of America||Cardholder Fraud Monitoring|
|Allied Irish Bank||Ireland||Transaction Processing and Settlement|
|Alipay||China||Transaction Processing and Settlement|
|Amazon||Ireland / United Kingdom||Operations and Service Maintenance|
|American Express||United Kingdom||Transaction Processing and Settlement|
|Australia and New Zealand Banking||Australia||Transaction Processing and Settlement|
|Apple Inc||United States of America||Transaction Processing and Settlement|
|Atlassian||United States of America / Ireland||Operations and Service Maintenance|
|ATOS||United Kingdom||Transaction Processing and Settlement|
|Barclays||United Kingdom||Transaction Processing and Settlement|
|Catella||Luxembourg||Transaction Processing and Settlement|
|Chase Bank||United States of America||Transaction Processing and Settlement|
|Cloudflare||United States of America||Content Delivery Network|
|Compass||United States of America||Transaction Processing and Settlement|
|Currency Select||United States of America||Exchange Rate Processing|
|Elavon||United States of America||Transaction Processing and Settlement|
|Finastra||Ireland||Operations and Service Maintenance|
|First Data||United Kingdom||Transaction Processing and Settlement|
|Fexco||United Kingdom||Exchange Rate Processing|
|Funanga||Ireland||Transaction Processing and Settlement|
|G4S||Germany||Operations and Service Maintenance|
|HSBC||United Kingdom||Transaction Processing and Settlement|
|JetPay||United States of America||Transaction Processing and Settlement|
|Omnipay||Ireland||Transaction Processing and Settlement|
|PPro||United Kingdom||Transaction Processing and Settlement|
|Mastercard||United Kingdom / United States of America / Europe||Cardholder Fraud Monitoring Transaction Processing|
|Microsoft||United States of America / Ireland||Operations and Service Maintenance|
|Millennium Digital||United States of America||Transaction Processing and Settlement|
|PayPal||United States of America||Transaction Processing and Settlement|
|Paysafe||Germany||Transaction Processing and Settlement|
|Salesforce||United States of America||Operations and Service Maintenance Customer and Technical Support|
|Streamline||United Kingdom||Transaction Processing and Settlement|
|The Access Group||United Kingdom||Operations and Service Maintenance|
|Vantiv||United States of America||Transaction Processing and Settlement|
|Visa||Europe / United States of America||Transaction Processing|
Notice and Disclaimer
This Schedule is subject to change at any time. Last updated: 24th May 2018
FRAMEWORK PAYMENT TERMS AND CONDITIONS
1. MONEY TRANSFER SERVICE
1.1 These terms and conditions govern the money transfer services provided to you by A&B General UK Limited., of M228, Trident Business Centre,89 Bickersteth Road, London SW17 9SH No. 6928080 (referred to as the “Firm”)
1.3 We are regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (registration number no. 716949) for the provision of payment services.
1.4 For simplicity we will refer to ourselves and our branches and agents as "the Firm" or "we/our/us".
1.5 We operate a money transmission service which you will use to send and to receive money transfers. Our money transfers can be sent and picked up at most locations worldwide. You may call the number listed above or check our website at www.ab-money.co.uk/en (the "Website") for the address and business hours of nearby locations. The main characteristics of the payment services which we may provide to you are as follows:
• Retail money remittance service: a money transfer service for a sending customer where a remittance payment is made to a named receiving customer, normally in another country (money may be received in a bank account);
1.6 Money transfers will normally be paid out in a bank account. All payments are subject to availability, the payee showing documentary evidence of their identity and providing all details about the money transfer required by us as set out in these Terms and Conditions and including, without limitation, the name of the payer, country of origin, name of the payee, the payment amount, transaction control identification number and any other conditions or requirements which we consider necessary or applicable at the payee payment location. They may, in addition, be obtained by contacting us using the contact details set out in clause 1 of these Terms and Conditions or by checking our Website.
1.7 We are agreeing to provide you with a money transfer service. We do not accept any responsibility for any goods or services which may be paid for by a money transfer (or any taxes, charges or duties payable thereon). You are cautioned against sending money to any
person you do not know. You bear the risk of your intended payee failing to pick up the payment after it has been transferred to the correct destination.
2.2 Note that there may be no signature, security or password protection for email, phone, fax and other future forms of electronic communication. You should bear this in mind if you decide to permit us to accept those types of instruction. If we do decide to accept any type or types of electronic communication from you, we advise:
• against using analogue mobile or cordless phones to contact us as they can sometimes be intercepted or overheard;
• you to be careful not to let other people see your details if you are online in a public place; and
• against using email for sending us confidential information.
2.3 Where we agree to accept instructions in a particular format (including in electronic format), we will not be able to act on the instructions unless they are legible and clear.
2.4 We may decline to act on any communication, even if we have told you we will in general accept that type of instruction. We may do this in particular if we consider that there is doubt about the validity of the communication and it is in our or your interest to query it with you. However, we are not obliged to check or consider the validity of your communications unless we have previously agreed a system of validation with you. Subject to any legal or regulatory requirements which may apply, we are authorised to act upon any instruction, agreement or arrangement without enquiring about its purpose, or the circumstances in which it is given, or about the disposition of any proceeds.
2.5 If we come to believe that you may not have properly authorised a communication, we may, after making reasonable efforts to check whether it was authorised, refuse to act on the instruction and take steps to reverse any action already taken on it.
2.6 Without prejudice to clause 6 of these Terms and Conditions, we may act without further enquiry on any electronic communication which we reasonably believe you have given us
2.7 You must follow any security procedures we specify. We may also require you to sign a separate agreement before you can use some types of electronic communication to send us instructions and to access some kinds of services by electronic communication.
2.8 We may insist that you confirm any electronic communication in conventional written form by the next business day. We need not wait for confirmation before acting on the instruction. For the purposes of these Terms and Conditions, "business day" means any day on which we are open for business (other than a Saturday or Sunday or a public holiday) as required for the execution of a payment transaction.
2.9 We can communicate with you by telephone, email, text message, Line, Facebook fanpage, or any other form of electronic communication by which you have chosen to be able to give us instructions.
2.10 The language of these Terms and Conditions shall be English and Thai and all information provided, made available and notified to you shall be in English and Thai.
2.11 We will provide you with a further copy of these Terms and Conditions upon request.
2.12 After we receive a payment instruction from you as payer, we shall provide the following information in accordance with the provisions of clause 2.14:
• a reference enabling you to identify the payment transaction and, where appropriate, information relating to the payee;
• the amount of the payment transaction in the currency used for the payment instruction;
• the amount of the charges and transfer fees for the payment transaction payable by you (with a breakdown of such amounts where applicable);
• where applicable, the exchange rate used in the payment transaction by us and the amount of the payment transaction after that currency conversion; and
• the date of receipt by us of your payment instruction.
2.13 After the execution of a payment transaction, we shall provide , if you are the payee, the following information in accordance with the provisions of clause 2.14:
• a reference enabling you to identify the payment transaction and the payer, and any information transferred with the payment transaction;
• the amount of the payment transaction in the currency in which the funds are at your disposal;
• the amount of the charges and transfer fees for the payment transaction payable by you (with a breakdown of such amounts where applicable);
• where applicable, the exchange rate used in the payment transaction by us, and the amount of the payment transaction before that currency conversion; and
• the credit value date.
2.14 We will provide you with the information specified in clauses 2.12 and 2.13, free of charge, at least once a month. You will examine the confirmations and communications which we send to you within a reasonable time after receiving them and will promptly advise us without undue delay of any apparent mistake or discrepancy. Delay in notification may make correcting any error difficult.
2.15 If you prefer paperless communications with us, we may communicate and make available all relevant transaction information with you (including the information specified in clauses 2.12 and 2.13) through an internet money transmission service (if any) accessible via our Website. To access the internet money transmission service, you will need a computer with an internet connection as well as a working email address. Where you are the payer, we will always ask you to expressly agree to receiving information in this way.
2.16 If you require information on an individual payment transaction before sending us an instruction, please contact us using the contact details set out in clause 1 of these Terms and Conditions or via our Website.
2.17 We will contact you by telephone, email, text message, Line, Facebook fanpage or any other form of electronic communication by which you have chosen to be able to give us instructions. if there are suspected or actual fraud or security threats relating to the services we provide to you.
3.2 You must not give out security details, such as any password or PIN, to anyone and you must not write these down in any recognisable form. You must notify us without undue delay in writing or by telephone using the contact details set out in clause 1 of these Terms and Conditions or via our Website on becoming aware that someone else knows your
password, PIN or other security information or that any of these have been lost, stolen or misappropriated, and we will take immediate steps to try to prevent these from being used.
3.3 You agree to assist us in the discharge of our anti-money laundering, security validation and verification responsibilities by providing such information and evidence which we may request from time to time in this regard. You agree to notify us promptly of any changes in the details you have supplied to us. In addition, we may, in our sole discretion, require other documents to be supplied to us at any time during our relationship with you in order to fulfil our legal and regulatory obligations.
3.4 You represent and warrant that:
• you are over 18 years old
• the information and details you supply to us are true, accurate and complete
• your money transfer instructions to us and your use of your chosen form of payment instrument for payment to us will not breach any applicable agreement, law or regulation,
and you agree to compensate us for any loss we suffer as a result of the above representations being untrue or incorrect.
3.5 We may use information about you and your individual representatives to discharge the responsibilities referred to in clauses 3.3, 5.10, 5.13 and 5.14 to provide our services and to manage our relationship with you. We may disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 2015/847 on information on the payer accompanying transfers of funds; persons with whom we share information for anti-money-laundering, security verification or validation purposes; regulatory and prosecuting authorities; service providers acting on our behalf.
This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK. If you wish to access or correct the information that we hold about you, please contact our Data Protection Officer at 163 Bellville House, 4 John Donne Way, London SE10 9FW.
4.2 If you are the recipient or payee of an international payment we may deduct our charges and transfer fees for each such payment from the money transferred before making it available to you. If we deduct any charges under this clause 4.2, we will give you details in the information which we regularly provide to you (using the means agreed with us by which you wish to be notified) of the full amount of the money we receive and of the charges which we are deducting for receiving the money, before making the money available to you.
4.3 We may change any of our charges at any time. We will tell you (in accordance with clause 7.5 of these Terms and Conditions) at least 2 months before the change to the charge takes effect. Please see clause 7 of these Terms and Conditions which explains in more detail the procedures for changes to our contract terms.
4.4 Applicable exchange rates for payment transactions are set out on our Website, displayed prominently at our premises and those of our branches and agents or may be obtained by contacting us using the contact details set out in clause 1 of these Terms and Conditions. Payment transactions will be executed, unless otherwise agreed, in the currency of the destination country (but please note that in some countries payment is only available in U.S. dollars or another alternate currency). Currency will be converted from sterling (GBP) at the time of transfer and the payee will receive the relevant foreign currency amount. For transfers to certain countries, Our exchange rate may be less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between our exchange rates offered to you and the exchange rates received by us will be kept by us, in addition to our transfer fees and other charges.
If you wish to transmit payments to countries that provide payment in multiple currencies, you must select the currency of the payment at the time you consent to the payment transfer. The transfer fees and charges and the money we make when changing your funds into foreign currency may vary based upon the payment currency that you select. Some payment service providers in foreign locations may offer payees the choice to receive funds in a currency which differs from the one that you select as payer. In such instances, we may make additional money when your funds are converted into the currency selected by the payee.
4.5 Our exchange rates are variable exchange rates which change constantly throughout the day. You can contact us to find out the exchange rate at a particular time using the contact details in clause 1 of these Terms and Conditions.
4.6 Telephone notification to the payee that the money transfer is available for pick-up is offered in most countries for an additional fee.
4.7 Messenger delivery of a cheque or bank draft is available in some countries to selected destinations for an additional fee.
4.8 Supplemental messages may be included with money transfers to most countries for an additional fee.
5.2 You must give consent before the execution of each payment transaction by giving us payment instructions in a signed and completed order form substantially in the form set out on the reverse of these Terms and Conditions which is available at our premises and those of our branches and agents or from our Website or by contacting us using the contact details set out in clause 1of these Terms and Conditions, by email, letter or facsimile transmission, in each case correctly addressed to us, or by handing it to us at our premises.
5.3 We shall have the right to stop the use of any personalised set of procedures agreed between you and us, which are used by you in order to initiate payment instructions to us, in order to comply with our legal obligations, or on reasonable grounds relating to:
• the security of such security features; or
• the suspected unauthorised or fraudulent use of such security features.
5.4 We will tell you by telephone, email, text message, Line, Facebook Fanpage or any other form of electronic communication by which you have chosen to be able to give us instructions before we stop the use of any personalised set of procedures, or as soon as possible afterwards if we are unable to notify you in advance, unless it would be unlawful or compromise our reasonable security measures to do so. Where possible, we will also tell you the reasons why.
5.5 We will execute payment instructions so that the amount to be transferred reaches the payee's payment service provider by:
• the end of the next business day after we received your instruction for THB payment transactions to a payee in Thailand;
• the end of the next business day after we received your instruction for sterling payment transactions to a payee in the UK;
• the end of the next business day after we received your instruction for all Euro payment transactions to a payee in the EEA; or
• the end of the fourth business day after we received your instruction for all payment transactions in EEA currencies (other than Euro) to a payee in the EEA.
For details of the execution times for payments to be made to a payee’s payment service provider outside of the EEA or payments in currencies other than EEA currencies, please contact us using the contact details set out in clause 1 of these Terms and Conditions or via our Website.
5.6 We must receive payment instructions before the cut-off time specified in our charges brochure or obtained by contacting us using the contact details set out in clause 1 of these Terms and Conditions or on our Website or we will deem the instruction to have been received on the next business day. Instructions received on days which are not business days for us will also be deemed to have been received on the next business day.
5.7 Once we receive your payment instruction, you cannot revoke it unless you inform us in writing that you withdraw your consent no later than the end of the business day before the agreed day of execution of the instruction.
5.8 Where we receive a payment instruction from you for execution on a specific day, you agree that the time of receipt is deemed to be that specific day on which we are to execute the payment instruction.
5.9 It is your responsibility to ensure that the monies you pay to us are sufficient to make each and every payment transaction which you authorise us to make. We will not make any money transfer instructed by you unless you have paid to us sufficient funds first. When we accept a credit or debit card or other non-cash form of payment from you we make no promise to make payment of any relevant money transfer if your form of payment is “uncollectable”, nor do we assume any liability for damages resulting from non-payment of the money because of uncollectability.
5.10 Applicable laws prohibit money transmitters from conducting business with certain individuals and countries. In order to comply, we are required to screen all transfers against the list of names provided by various governments and/or government agencies. If a potential match is found, we will suspend the transfer and request additional information on either the payer or the payee, as necessary. Upon satisfactory review, the payment transfer will be released for collection.
5.11 We have the right to refuse to accept a payment instruction or payment and to refuse to execute any payment transaction for any of the following reasons:
• if any condition in these Terms and Conditions has not been satisfied; or
• if execution would be unlawful.
5.12 If any payment instruction is declined you may contact us using the contact details set out in clause 1 of these Terms and Conditions or via our Website. If we have declined the payment instruction we will, where reasonably possible (and where we are not prevented from so doing by law or regulation) tell you why the payment instruction was declined at the earliest opportunity and in any event within the relevant time period specified in clause 5.5 of these Terms and Conditions. If the reason for our declining the payment instruction was based on incorrect information, we will agree with you what needs to be done to correct that information.
5.13 You agree that we may retain monies received by us for your benefit until our security validation, verification and anti-money laundering procedures have been completed before you may withdraw them or instruct us to transfer them. Our Website sets out a list of purposes for money transfers which you are prohibited from transacting, transmitting or receiving (including, without limitation, the purchase of drugs and weapons and, in certain countries, gambling activities). You agree that you will not transact, transmit or receive payment transfers for or in connection with any criminal or illegal purpose whatsoever. We may report any suspicious activity relating to your transactions to the relevant authorities.
5.14 Additional security questions may be required for certain payment transactions (regardless of the payment amount) and, in addition, the payee may be required to provide documentary evidence of their identity. Further information regarding the use of security questions for the destinations of your payment transfers is available on our Website or by contacting us using the contact details set out in clause 1 of these Terms and Conditions.
5.15 You may not be protected against reversals of money transfers in respect of which you are the payee where the reversal is due to the use of a stolen or unauthorised payment instrument or means of authentication by the payer. Once a payee has received a payment sent by us in accordance with your instructions as payer, that payment cannot normally be reversed.
• arising from the use of lost or stolen, or from the misappropriation of, personalised security features or procedures agreed between us and you for your
use in order to give us payment instructions, including (without limitation) an unauthorised payment transaction through any electronic communication or a misappropriation of the security features of our electronic communications service, is a maximum of £35. Subject to clause 6.1.2, we won’t hold you responsible up to £35 where: (i) the loss or theft of the personalised security features or procedures agreed between us and you was not detectable by you prior to the payment transaction; or (ii) the loss was caused by the acts or omissions of our employees, agent or branch, or an entity which carried out activities on our behalf, or
• where you have acted fraudulently or have with intent or gross negligence failed to: (i) take all reasonable steps to keep safe any of the personalised security features or procedures agreed between us and you for your use in order to give us payment instructions, including (without limitation) an unauthorised payment transaction through any electronic communication or a misappropriation of the security features of our electronic communications service, (ii) use such features and procedures in accordance with the terms and conditions governing their issue and use, or (iii) notify us in writing or by telephone using the contact details set out in clause 1 of these Terms and Conditions or via our Website and without undue delay on becoming aware of the loss, theft, misappropriation or unauthorised use of such security features or procedures, is the full amount of those losses.
6.2 Except where you have acted fraudulently, you will not be liable for any losses resulting from an unauthorised payment transaction: (i) after you have notified us of the loss, theft, misappropriation or unauthorised use of your security features or procedures in accordance with clause 6.1.2 of these Terms and Conditions; (ii) if we have not given you an appropriate means to notify us in accordance with clause 6.1.2; or (iii) if the security features or procedures have been used in connection with certain types of distance contract.
6.3 You may be entitled to redress for an unauthorised or incorrectly executed payment transaction only if you notify us in writing or by telephone using the contact details set out in clause 1 of these Terms and Conditions without undue delay on becoming aware of any unauthorised or incorrectly executed payment transaction, and in any event no later than 13 months after the debit date. Such redress may include, in relation to an unauthorised executed payment transaction, us refunding the amount of the unauthorised payment transaction to you as payer.
6.4 Where you initiate a payment instruction as payer, we are responsible to you for the correct execution of the payment transaction unless the payee's payment service provider received the amount of the payment transaction in accordance with the payment instruction execution times set out in clause 5.5 of these Terms and Conditions. You may request that we make immediate efforts to trace the payment transaction and notify you of the outcome.
6.5 Where we are liable to you as payer under clause 6.4 of these Terms and Conditions for a non-executed or defective payment transaction, we may without undue delay refund to you the amount of the transaction. If you ask us to make a payment and the payee’s payment service provider receives it later than set out in clause 5.5 of these Terms and Conditions, you can ask us and we will contact the payee’s payment service provider and ask them to correct the amount of interest and charges on the recipient’s payment account (if applicable) so that it is as if the payment was received on time.
6.6 Where you are the intended payee of a payment instruction initiated by a third party payer, and the payer's payment service provider can prove that we received the amount of the payment transaction in accordance with the payment instruction execution times set out in clause 5.5, we are liable to you for the correct execution of the payment transaction and shall immediately make available the amount of the payment transaction to you as payee.
6.7 If we are in breach of contract or otherwise negligent and we might reasonably have expected your loss to result directly from our breach or negligence, we are in any case liable to you.
6.8 We will not be liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages whatsoever and howsoever arising and whether such liability was reasonably foreseeable or not and whether or not we have been advised of the possibility of such loss being incurred.
6.9 Nothing in clauses 6.7 and 6.8 of these Terms and Conditions excludes our liability for fraudulent misrepresentation by ourselves, our employees or agents or our liability for death or personal injury caused by our negligence or the negligence of our employees or agents.
6.10 Notwithstanding anything to the contrary in these Terms and Conditions, we shall not be liable to you or be obliged to perform our obligations under these Terms and Conditions if we are prevented, hindered or delayed from or in performing any of our obligations under these Terms and Conditions due to abnormal and unforeseeable circumstances beyond our control (including any strike, lock-out, labour dispute, act of God, war, riot, civil commotion, malicious damage, compliance with a law or governmental order, rule, regulation or direction, accident, breakdown or other failure of equipment, software or communications network, fire, flood, or other circumstances affecting the supply of goods or services).
6.11 You acknowledge that our Website is subject to periodic maintenance and testing and that you may not be able to access it from time to time as a result. We are not responsible for any loss you may suffer as a result of your being unable to access our Website at any time.
6.12 You must send us all relevant supporting documentation in relation to any claim you make for a refund or compensation.
7.2 We will notify you in writing at least 2 months before we make any change to these Terms and Conditions. You will be deemed to have accepted any such change if you do not notify us to the contrary before the date on which any such change comes into effect. However, if you choose not to accept any such change, you may give notice to us that you do not accept such change and you may terminate our agreement at any time, free of charge, before any change comes into effect.
7.3 If we have made a major change or a lot of minor changes in any one year, we will give you a copy of the new terms and conditions or a summary of the changes.
7.4 If we agree to fix any condition for a certain time, we will not change it during that time.
7.5 When we tell you about a change we will do so by letter, email, text or messages or in any other way which is sent to you individually or will do so in a way that we reasonably believe is likely to come to your attention and which satisfies legal and other regulatory requirements.
7.6 Our agreement under these Terms and Conditions will continue until terminated in accordance with this clause 7.
7.7 You may terminate our agreement under these Terms and Conditions by giving us at least 1 month's written notice. We shall not charge you for the termination of our agreement under these Terms and Conditions after the expiry of 6 months from its commencement.
7.8 We may terminate our agreement under these Terms and Conditions by giving you at least 2 months' written notice. Such termination will not release you from any liability in respect of any sums owing to us or from any previous liability for any act performed by us in accordance with instructions received from you.
8.2 A failure to exercise or delay in exercising a right or remedy provided by these Terms and Conditions or by law does not constitute a waiver of the right or remedy or a waiver of other rights or remedies. No single or partial exercise of a right or remedy provided by these Terms and Conditions or by law prevents further exercise of the right or remedy or the exercise of another right or remedy.
8.3 In case any provision in or obligation under these Terms and Conditions shall be invalid, illegal or unenforceable in any jurisdiction, the validity, legality and enforceability of the remaining provisions or obligations, or of such provision or obligation in any other jurisdiction, shall not in any way be affected or impaired thereby.
8.4 You may not assign, transfer or create any trust in respect of, or purport to assign, transfer or create any trust in respect of, a right or obligation under these Terms and Conditions.
8.5 Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
9.2 The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions and our agreement under these Terms and Conditions (including a dispute regarding their existence, validity or termination or relating to any non-contractual or other obligation arising out of or in connection with them) or the consequences of their nullity. You may also be eligible for redress for any dispute and matter arising out of or in connection with these Terms and Conditions through the dispute resolution mechanism provided by the Financial Ombudsman Service (please see below for further details).
10.2 We aim to provide the highest level of customer service possible. If you do experience a problem, we will always seek to resolve this as quickly and efficiently as possible. However, if you are unhappy and would like to make a complaint, please refer to our Complaints Policy for details of our internal process for dealing with complaints promptly and fairly. Our Complaints Policy is available on our Website or by contacting our customer service team using the contact details in clause 1 of these Terms and Conditions
10.3 We will then investigate the matter and try to reach a satisfactory conclusion. Complaints may be recorded and monitored for our internal use; we may submit an anonymised summary of complaints made to us during a particular period of time to our regulator. If you are not happy with our final response or, where you are eligible to refer your complaint to the Financial Ombudsman Service, if we have not concluded our investigation in
accordance with the timescales required by law, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (http://www.financial-ombudsman.org.uk/).
10.4 You may also be able to submit a claim through the European Online Dispute Resolution Platform (available at http://ec.europa.eu/consumers/odr/).
SINGLE USE PAYMENT TERMS AND CONDITIONS
1. MONEY TRANSFER SERVICE
1.1 These terms and conditions govern the money transfer services provided to you by A&B General UK Ltd., of M228, Trident Business Centre,89 Bickersteth Road, London SW17 9SH, No. 6928080 (referred to as "we/our/us").
1.4 We are regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (registration number no. 716949) for the provision of payment services.
2 .SENDING A PAYMENT
2.1 You must give consent before the execution of each payment transaction by giving us payment instructions in a signed and completed payment instruction form (which is available at our premises and those of our branches and agents or from our Website or by contacting us using the contact details set out in clause 1 of these Terms and Conditions) by email, letter, in each case correctly addressed to us, or by handing it to us at our premises.
2.2 You must provide us with information which clearly identifies:
• the individual to whom you are sending the money (the "payee"); and/or
• details of the payee's payment account (if they have one).
Your payment instruction form will set out which information we need which could comprise the payee’s bank sort code and account number or, where applicable, the payee's SWIFT number, BIC and IBAN. It is your responsibility to check that the information you provide to us is correct.
3.1 We will transfer your payment so that the money reaches the firm where your payee will collect it by:
• the end of the next business day after we received your instruction for sterling payment transactions to a payee in the UK;
• the end of the next business day after we received your instruction for Euro payment transactions to a payee in the EEA; or
• the end of the fourth business day after we receive your instruction for all payment transactions in EEA currencies (other than Euro) to a payee in the EEA.
3.2 For details of the execution times for payments to be made to a payee outside of the EEA or payments in currencies other than EEA currencies, please contact us for further details.
3.3 Where you want money transferred on a specific day, you agree that the time we receive your instruction is that specific day
3.4 If we did not receive your payment instruction before 16:00 on a business day for us (or if we received it on a day which is not a business day for us), we will treat it as if we received it on the next business day.
3.5 You cannot amend or cancel your instruction to us unless you have asked us to transfer your money on a specific day in the future and you give us written notice no later than the end of the business day before that specific day.
3.6 "business day" means a day on which we are open for business (other than a Saturday or Sunday or a public holiday).
4. FEES AND CHARGES
4.1 When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges (if any) which we write on your payment instruction form.
4.2 When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges (if any) set out in the written information we give you when you receive the money.
5. EXCHANGE RATE
5.1 We will write on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. We usually convert your money from sterling (£) at the time of you making payment the relevant amount in the currency of the country where the payee is located
6.1 We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
6.2 You may be entitled to redress for an incorrectly executed money transfer only if you notify us without undue delay on becoming aware of it, and in any event no later than 13 months after the date of the transfer.
6.3 Where you are sending money, we are responsible to you for the correct execution of the money transfer unless the payee's payment service provider received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions. You may request that we make immediate efforts to trace the payment transaction and notify you of the outcome.
6.4 Where we are liable to you as payer under clause 6.3 of these Terms and Conditions for a non-executed or defective payment transaction, we will without undue delay refund to you the amount of the transaction. If you ask us to make a payment and the payee’s payment service provider receives it later than the payment transfer times set out in clause 3.1 of these Terms and Conditions, you can ask us and we will contact the payee’s payment service provider and ask them to correct the amount of interest and charges on the payee’s payment account (if applicable) so that it is as if the payment was received on time.
6.5 Where you are the intended payee of a payment instruction initiated by a third party payer, and the payer's payment service provider can prove that we received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions, we are liable to you for the correct execution of the payment transaction and shall immediately make available the amount of the payment transaction to you as payee.
6.6 No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee.
6.7 Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
6.8 We are not liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages.
6.9 You agree that you are not sending or receiving a payment transfer for or in connection with any criminal or illegal purpose.
6.10 We can communicate with you by telephone, email, text message and/or in writing or any other form of electronic communication by which you have chosen to be able to give us
instructions. And all information provided, made available and notified to you shall be in English.
6.11 We will contact you by telephone, email, text message if there are suspected or actual frauds or security threats.
6.12 We may use information about you to discharge our anti-money laundering, security validation and verification responsibilities, to provide our services and to manage our relationship with you. We may disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 2015/847 on information on the payer accompanying transfers of funds; persons with whom we share information for anti-money-laundering, security verification or validation purposes; regulatory and prosecuting authorities; service providers acting on our behalf. This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK. If you wish to access or correct the information that we hold about you, please contact our Data Protection Officer at «RAddress1».
7. LAW AND JURISDICTION
7.1 These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions (including a dispute regarding their existence, validity or termination or relating to any non-contractual or other obligation arising out of or in connection with them) or the consequences of their nullity.
8.1 Please tell us if you have any problems with our service: we will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or, where you are eligible to refer your complaint to the Financial Ombudsman Service, if we have not finished investigating your complaint in accordance with the timescales required by law, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (http://www.financial-ombudsman.org.uk/).
8.2 You may also be able to submit a claim through the European Online Dispute Resolution Platform (available at http://ec.europa.eu/consumers/odr/).
|Normal Rate||Reward Rate||Plus Rate||Plus Reward||Normal Rate|
All Exchange Rate valid from 9.30-17.00
Reward Rate! is the rate that's higher than all high street UK banks or every money transfer shop in the UK and Thailand. The rate is for clients who transfer money over £5,000 or under membership conditions. You can aim our Reward Rate with only 1% from amount of transfer.
Available for 3 Currencies below
1. Reward Rate available for Payment above 5,000 GBP/EUR or 30,000 SEK
2. You can redeem reward rate by debit card via maximum exceed at 5,000 GBP/EUR
3. Cash unable to redeem on reward Rate
4. You cannot redeem reward rate along with other benefits i.e. Free of Charge
if you live in the UK or anywhere in the EU and would like to own a money transfer business with a full licence and regulation we are here to assist, counsel, and provide you with
- IT Data System for your customer information and Trading System
- KYC and AML Checks
- Sanction Secured and PEPs
- FX Markets
- Hubs Payment transactions
- Regulation & Licence
if you are interested to become our partner please contact us on 0203 355 9660
The objective of the Anti-Money laundering procedures that A&B General (UK) Limited. implements is to ensure that customers engaging in certain activities are identified to a reasonable standard, while minimizing the compliance burden and impact on legitimate customers. A&B General (UK) Limited. is committed to assisting governments to combat the threat of money laundering and the financing of terrorist activities around the world. For this purpose A&B General (UK) Limited has established a highly sophisticated electronic system. This system documents and verifies client identification records, and tracks and maintains detailed records of all transactions.
A&B General (UK) Limited. carefully tracks suspicious and significant transaction activities, and reports such activities ‘providing timely and comprehensive information’ to law enforcement bodies. To uphold the integrity of reporting systems and to safeguard businesses, the legislative framework provides legal protection to providers of such information.
In order to minimize the risk of money laundering and financing terrorist activities, A&B General (UK) Limited. neither accepts cash deposits nor disburses cash under any circumstances. A&B General (UK) Limited. reserves the right to refuse to process a payment at any stage, where it believes the payment to be connected in any way to money laundering or criminal activity. It is forbidden for A&B General (UK) Limited. to inform customers that they have been reported for suspicious activity.
For the purpose of complying with Anti-Money Laundering laws, A&B General (UK) Limited. requires two different documents to verify the identity of the customer.
The first document we require is a legal government-issued, identifying document with the picture of the customer on it. It’s a valid passport/UK driving licence either. (UK Driving licence enable to for proof the applicant as a identify or proof of address either)
The second document we require is a bill with the customer's own name and actual address on it no older than 3 months. It may be a utility bill, bank statement, or other bill with the name and address of the customer, from an internationally recognizable organization. i.e. BT Telephone Landline
For ensure on applicant’s evident has provided by a person who’s the owner of documents. We may contract customer by real time channel method, such as Skype, Facetime, Webcam, I-phone Chat in the reason of fraud protection checks on our data and customer before submit the applications.
A&B General (UK) Limited. also requires a completed and physically signed account application form to be submitted to the company. Customers are required to submit updated identification and contact information in a timely manner, as soon as changes occur.
Deposits and Withdrawals
A&B General (UK) Limited. requires that all deposits, where the name of the originating customer is present, come from the name of the person matching the name of the customer in our records. Third party payments are not accepted.
As for withdrawals, money may be withdrawn from the same account, in the same manner in which it was received. For withdrawals where the name of the recipient is present, the name must exactly match the name of the customer in our records. If the deposit was made by wire transfer, funds may be withdrawn only by wire transfer to the same bank and to the same account from which it originated. If the deposit was made by means of electronic currency transfer, funds may be withdrawn only by the means of electronic currency transfer through the same system and to the same account from which it originated.
12) LINKS TO THIRD – PARTY WEBSITES
The linked Web sites are not under our control and we are not responsible for the contents of any linked Web site or any link contained in a linked Web site, or any changes or updates to such Web sites. We are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of the Web site.
13) DATA PROTECTION AND FREEDOM OF INFORMATION ADVICE (ICO)
We have registered of data controllers (ICO) in the part of Money Remittance, Description of processing;
The following is a broad description of the way this organisation/data controller processes personal information. To understand how your own personal information is processed you may need to refer to any personal communications you have received, check any privacy notices the organisation has provided or contact the organisation to ask about your personal circumstances.
REASONS/PURPOSES FOR PROCESSING INFORMATION
We process personal information to enable us to provide a range of banking services to our customers including managing their accounts; promoting and advertising our products and services; managing and supporting our staff; maintaining stocks and shares register; maintaining our own accounts and records; the use of CCTV systems for the prevention and detection of crime. We also process personal information in the course of selling, hiring or exchanging it.
14) CARD PAYMENT UNDER VIRTUAL TERMINAL
1. For Virtual Terminal Card Payment, we reserve the right to only member customers can order payment by this method.
2. The Company reserves the right refuse an order to make Cash Back on all transfers by Visual Terminal Card Payment.
3. We reserve the right to refuse an order. Non-acceptance of an order if we suspect Your Virtual Card is being used in an unauthorised or fraudulent activities or unlawful misuse.
4. If the customer requests a refund can be achieved in acquiring refund process which it take about 3-5 working day back to the original of payee card. This policy can be request from client who needs to identify security check (KYC check) with us to be cancel and refund. You are feeling free to contact us at +44 (0) 203 355 9660 to request cancel payment transaction and refund. However, if payment has not yet been transferred to beneficiary bank account. In addition, we reserve the right to charge you the Administration fee for each refund transaction. We cannot cancel a payment and refund money back to the payee card If payment has been settle to beneficiary account. (Please see below Refund Policy)
5. Once you have checked out and you have received your order confirmation text or email which means your money is going into process to your beneficiary bank account. Customers unable to make any changes to your order or request any refunds so please make sure that everything is correct before ordering payment.
6. Customers understand and accept the fees that vary between debit/credit card of visual terminal card and Internet banking transfer system which is the total cost grossing.
7. The Company does not accept payment from American Express card.
8. If you use the Services for a transaction in a currency other than the GBP/EUR/SEK currency in which the account or card are denominated, the amount deducted from your available balance will be the amount of the transaction converted to your account or card currency using a rate set by the customers’ bank and The Company’s unrelated. The card payment conversion rate may vary throughout the day depending on customers’ bank and is not set by The Company.
9. When you place an order by phone or on our website we shall text messages via mobile phone and also email you an order confirmation email to simply customers around the world.
10. If The Customer would like to know more information about Visual Terminal Payment can obtain more information from the company.
11. The Company reserves the right to change the terms and conditions including typographical errors without notice.
15) KYC PROCEDURES FOR CARD PAYMENT UNDER VIRTUAL TERMINAL
If this is your first time you make a payment by using Debit/Credit Card please register your card name with us by take a picture of your front card and send it to us. You need to hide/cover all the card details except your full name as we will need to check if the card is belong to the member and that the name must be the same as their ID. You also need to state a type of the card i.e. Visa/Mastercard. You can attach the picture file to browser on our website.
To use the different card please re-register your new card as required by Fraud Protection Check.
15.1. First time payment by card, for security reasons card users need to register their card before they start using card payment in first time by clearly take a photo of their front cards (not the reverse card) and send attached file to us on our website. Once you have completely registered and your card have been verified, you are able to make an order by using card payment and no need to verify your card again.
15.2. In case of the card details which are long 16 digits, name, expiration date is not match and relevant with our membership customers’ details, this also means your payment for the transaction will be held until we receive the compatible details between card and card user.
15.3. If you have changed card or if your card expired and use the new one, you must register card in order to verify card payment again.
Effective 14th February 2014 V1
A&B General (UK) Limited (“We“) are committed to protecting and respecting your privacy.
For the purpose of the Data Protection Act 1998 (the Act)
INFORMATION WE MAY COLLECT FROM YOU
We (or our agents or sub-contractors acting our behalf) may collect and process the following data about you:
Information you give us. You may give us information about you by filling in forms on the Website or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you register to use the Website, subscribe to any of our services, request further information via the Website and/or when you report a problem with the Website. The information you give us may include your name, job title, postal address,
e-mail address, phone number, company details including bank details.
Information we collect about you. With regard to each of your visits to the Website we may automatically collect the following information:
Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.
USES MADE OF THE INFORMATION
We use information held about you in the following ways:
Information you give to us. We will use this information:
Information we collect about you. We will use this information:
Information we receive from other sources. We may combine this information with information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).
DISCLOSURE OF YOUR INFORMATION
We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006. We may share your information with selected third parties including:
We may disclose your personal information to third parties:
WHERE WE STORE YOUR PERSONAL DATA
The data that you provide us is sent via a secure link (HTTPS) and sensitive data stored is encrypted using standard encryption technology in computer servers with limited access and in controlled facilities. We store your personal information for at least for the duration of any customer relationship we have with you, or as otherwise required by law (normally up to a maximum of 7 years for legal and tax reasons).
All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of the Website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. We will never contact you and ask for your password.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
All our employees and data processors, who have access to, and are associated with the processing of personal data, are obliged to respect the confidentiality of your personal data.
The Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
We may use the information we collect to contact you by post, telephone and/or electronic means.
If you would prefer to no longer receive marketing-related messages from us, or if you would prefer that we not share personal data about you with any of our business partners, you may opt-out of receiving messages from us or from our future sharing of information about you by following the “unsubscribe” instructions in the latest such message you have received. We will endeavour to comply with your request as soon as reasonably practicable. Please keep in mind that if you opt-out of receiving promotional messages from this Website, we will continue to send you transactional messages and important account-related information regarding this Website or services offered through this Website. We also will continue to honour your requests regarding promotional communications from any other websites within our group of companies for which you have subscribed.
Please note that if you opt-out as described above, we will not be able to remove personal data about you from the databases of any business partners with which we have already shared personal data about you (i.e., to which we have already provided personal data about you as of the date that we implement your opt-out request). If you wish to cease receiving marketing-related messages from such business partners or any artists, please contact such business partners directly or utilize any opt-out mechanisms set out in their respective privacy policies or marketing-related messages.
ACCESS TO INFORMATION
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
We are not responsible nor will be liable to you in any way for events beyond our direct control. Because of the complex and constantly changing nature of our technology and business, we cannot guarantee nor do we represent that our performance will be error free, and to the maximum extent permitted by law we will not be liable for any direct, indirect, incidental, consequential or punitive damages or other loss suffered by you and relating to the use or release of your personal data.
If you are not satisfied with our response to your concern you may wish to contact the Information Commissioner. Contact details can be found on the ICO website at www.ico.gov.uk.
17) REFUND POLICY
If there is something on your statement you don’t recognise, we’re here to help. Please contact us at 0203 355 9660
We may be able to claim back any payments taken after the date you cancelled. All you need to do is contact us with the name and the date of the last payment and the date and method you used to cancel the payments. (This method cannot be used if fund has been settle to beneficiation account)
If you’re not sure about the details of a transaction on your account it may be that you don’t recognise the date, amount or name we may be able to help. Please contact us with your account details, the date of the payment and the name that appears on your statement and we’ll do our best to help.
Please contact us with your account details, the date of the payment and the name that appears on your statement and we’ll do our best to help.
If you have been charged more than once for a purchase made through the internet, mail order or over the phone we may be able to claim the amount back from the company. If this has happened to you please contact us, we will need the date, amount and name of each payment showing on your statement for us to review your dispute further.
If the date that you were expecting to receive your goods or service by has passed or you’ve received written confirmation you won’t receive the goods or service, we can review your dispute. If you weren’t given a specific date, we must allow the company 30 days to fulfil your order.
We need you to contact us after the date you expected the services or goods, or 30 days after it shows on your statement if you didn’t receive a delivery date. When you contact us we’ll need to know the date and the amount of the payment that was taken from your account and the name of the company it was paid to. We will also need to know the following to progress the claim:
If what you received differs from what your invoice states we may be able to raise a claim in an attempt to retrieve your money back from the company.
Before we can raise a dispute, you must have tried to resolve the issue with the company and returned the goods. We need proof of the return of the goods. From the date the items have been returned, we must allow the company 15 days to provide either a refund or replacement items.
If you don’t receive a refund or replacement after 30 days from return date, we will require a few things from you to enable us to investigate:
Once we receive the documentation, we will be happy to review this for you. We recommend that you only send in photocopies of receipts and invoices.
If the company tells you they will refund you, we must wait 15 days to see if that refund does show on your account. If it hasn’t been 15 days yet, we recommend that you discuss your concerns with the company.
We recommend that you try to resolve these issues with the company in question first; they may already be aware of the problem and be happy to resolve the issue for you.
If you don’t receive a refund after 30 days from the date on your refund voucher, we will require a few things from you to enable us to review your dispute:
Once we receive the documentation, we will be happy to assist. We recommend that you only send in photocopies of receipts and invoices.
Pending transactions – which Internet Banking customers can view on the home page of their statement - are paid-in cheques being processed, plus card transactions you’ve authorised that haven’t been taken from your account balance.
To help you manage your money, pending card transactions are deducted from your ‘available funds’, which also includes any planned overdraft. Please bear in mind most contactless payments won’t appear as pending transactions – they will show in the main section of your statement within a few days.
If you dispute a pending transaction, we can only investigate it once it shows on your main statement page when we’ll be able to provide more information about it.
SAB Miller Project
A&B Money Marketing 2010
DOO TV MEDIA – THAI CHANNEL TV IN UK
Opening by Mayor of Manchester
Free Voucher £200 Dinner at Thai Square from A&B Money
Like & Share Facebook activity
LIFE IS SO SHORT
THE BEST MONEY TRANSFER UK/THAILAND
A&B MONEY GERMANY & SWEDEN
A&B Money Plus First Thai Bank Account in the UK and Europe
A&B Money Plus Debit Card under power of MasterCard for worldwide payments.
A&B Plus Business Account For all type of your business dream
A&B Money Plus Business บุกตลาด MSBs และ PSPs
How to send money?
How quick can the money reach the beneficiary’s account in Thailand?
Is our exchange rate better than others?
How trustworthy is our company?
Is it safe?
Is our fee cheaper than others?
Why A&B Money?
Is our fee cheaper than others?
Yes, our fee is cheaper than most if not all of the money transfer services and high street banks that are available in UK. Once you have registered to become our member you will automatically receive a free transfer service from us. Moreover if you are an existing member and recommend us to a friend you will also receive a free transfer service. A number of free transfer service is based on how many people you have recommended, for example you recommended us to 3 friends you will receive 3 free transfer services.
Fee starts from £2/€2 and ends at £25/€25 for amount over £2,000/€2,000.
Is it safe?
Our server is very safe and secured as it’s linked in with Visa/ Master Card system as well as B2B directly to your bank, meaning that your transactions are securely processed and being looked after by your bank provider.
How trustworthy is our company?
We can proudly say that we are the first fully Thai own money transfer company in the UK that have branches running in 4 different countries as well as licence to operate in more than 32 countries around the world. You can check our licence and regulations under ‘Regulatory info’ and many more awards and certificates under ‘Press& Awards’ on our website.
Is our exchange rate better than others?
Yes, our rate is much better and higher than any other money transfer services and high street banks that are available in UK. It’s more or less the same as On Shore Rate from all banks in Thailand. We also have Wholesale Rate for business customers and those who wish to transfer £5,000/ €5,000 or over.
We offer what we called ‘Fast Track’ service where the beneficiary can expect the money to be in their account within the same day (if you make a payment before 12.00 noon) and next working day service as a normal service if you use online banking or card payment.
How quick can the money reach the beneficiary’s account in Thailand?
How to send money?
- Bank transfer i.e. online banking, mobile banking and at your local branch.
- Pay in by Debit or Credit card on our secured website or E-Mobile (iOS and Android) or call to our friendly customer service team.